KTM 390 Adventure R Bike Insurance

The KTM 390 Adventure R is a rally-style off-road motorbike with many specialised features. It is powered by a 399cc single-cylinder DOHC engine capable of generating 44 horsepower and a six-speed transmission. The bike rides on rally-style 21-inch front and 18-inch rear spoked wheels with off-road tubed tyres known for their durability. It also has high ground clearance and seat height, enabling rough handling.

The Adventure R also features an upgraded long-travel suspension system taken from the 390 Eduro R. Both the front and rear suspensions are adjustable and have 230 mm of travel for high shock absorption. The bike also comes equipped with a 5-inch TFT display and various features like cruise control, cornering traction control, off-road mode ABS and bi-directional quickshifter.

• Off-Road Suspension: The KTM 390 Adventure R features adjustable WP APEX front and rear suspension with 230 mm of travel to absorb all major bumps.
• Robust Wheels: The Adventure R uses spoked tube-type wheels, which are durable on rough terrain, and Mitas Enduro Trail E07+ off-road tyres for optimal traction.
• Rally Bike Design: The bike features a fully faired, rally-style design with distinctive KTM bodywork and aggressive styling.
• 5-Inch TFT Display: The 5-inch TFT dash is easy to read and automatically adjusts to ambient light. It provides a clear view of speed, fuel level, gear and other details with multifunctional menu buttons on the handlebars.
• Multiple Driving Modes: The Adventure R offers three driving modes, namely Offroad, Road and Rain, with preset settings for throttle response, ABS and traction control. The Offroad Mode is specialised to handle muddy surfaces and sand.

At TATA AIG, we offer a variety of two-wheeler insurance policies to fit different needs and budgets:

Standalone Own Damage Bike Insurance

A standalone own-damage plan covers damage to your adventure bike from various risks, including fire, theft, accidents, natural disasters (floods, earthquakes) and manmade disasters (riots, vandalism). TATA AIG’s Own Damage Insurance for Bike provides affordable coverage with multiple add-ons for flexibility and a No Claim Bonus up to 50%. This is an ideal choice if your bike already has a third-party plan.

Standalone Third-party Bike Insurance

A standalone third-party plan covers third-party injuries, property damage and death, but not damage to your bike. TATA AIG’s Third-party Bike Insurance provides an affordable plan starting at just ₹538 with personal accident coverage. You can buy our standalone third-party plan for 3 years and 5 years or the bundled plan with 5-year third-party cover and 1-year OD cover.

Comprehensive Bike Insurance

A comprehensive plan provides coverage against both third-party liabilities and damage to the insured vehicle from accidents, fire, theft, natural disasters and other risks. TATA AIG’s Comprehensive Bike Insurance provides extensive and cost-effective coverage with 12+ add-ons to further enhance your plan. It’s perfect for riders looking for complete insurance coverage with benefits like premium discounts up to 80% and NCB up to 50%.

• Protection Against Third Parties Claims: Causing injuries or damage to third parties can be expensive, especially if you are responsible for the accident. An unfavourable court judgement can easily deplete your savings. Hence, a bike insurance policy is necessary to cover third-party liabilities.
• Coverage Against Theft: In India, bikes are increasingly targeted for theft due to poor security and a lack of parking spaces. Since the loss of the entire bike can be a substantial financial setback, having bike insurance is highly recommended. It can cover the full cost of a replacement, subject to some conditions.
• Legal Compliance: Under the Motor Vehicles Act, 1988, it’s illegal to drive on Indian public roads without valid third-party insurance coverage. If you are caught by the traffic authorities, the consequences of driving without a valid bike insurance plan include fines of up to ₹4,000 and jail for up to 3 months.
• Personal Accident Cover: Riding a bike on public roads carries various risks that cannot be removed. Injuries or fatality due to an accident can put your loved ones under serious financial stress. This makes bike insurance plans useful as they are mandated by IRDAI to provide personal accident coverage.

• Cashless Claims: One of the biggest benefits of our bike insurance plan is that you can easily get your damaged bike repaired at our network garage. With 5300+ cashless garages distributed across all major cities, you can easily find a garage near you.
• Quick Online Processes: Our online portal facilitates easy policy purchases, renewals and claims with active support and guidance. You can complete the processes in just a few minutes and without much documentation.
• Substantial Cost Savings: Besides offering affordable KTM 390 Adventure R insurance costs, we also offer deep discounts of up to 80% on online purchases. By continuing to partner with us, you can also get discounts of up to 50% on premiums with the No Cost Bonus. These can add up to substantial savings.
• Round-the-Clock Support: Our customer support team is always available to help you with queries, complaints and claims support. A dedicated team of 750+ experts seamless claims process and guidance.
• High Claim Settlement Ratio: At TATA AIG, we ensure to maintain a high Claim Settlement Ratio (CSR) so you can rest assured that we will fulfil your claims. As a highly reputable insurer with 25+ years of experience, we offer reliability and credibility.
• Flexible Coverage Options: You can choose three types of bike insurance plans and select the coverage limit and tenure of your plan. We also offer 12+ add-ons to customise and enhance your plan.

Your bike insurance plan covers repair costs for damage to your insured KTM bike and replacement costs for theft and total loss. Here’s how it works:

Step 1: Buying the Policy

First, choose the right plan, IDV limit and tenure based on your insurance-related needs. Compare different bike insurance plans to find the right option.

Step 2: Completing Payment

Once you have made your choice, pay the premium amount to complete your purchase. Collect the policy documents that provide important details about your coverage, terms and conditions.

Step 3: Filing a Claim

Once you have incurred damage or loss during the policy period, file a claim via the insurer’s website, app or helpline. File the claims form and provide all required documents.

Step 4: Claim Settlement and Renewal

Following verification, the insurer will settle your claim either directly with the garage or reimburse the money you’ve paid. Once your current policy tenure ends, you need to complete your KTM 390 Adventure R policy renewal to get continued coverage.

Inclusions Under KTM Bike Insurance

1. Natural Calamities: The policy covers damage from cyclones, typhoons, floods, earthquakes, hailstorms, landslides and other natural events.

2. Manmade Disasters: This covers vandalism, riots, strikes, terrorist acts and other malicious manmade activities.

3. Fire: The bike insurance covers damage and loss from fire, explosions, lightning and self-ignition.

4. Theft: If the bike is stolen or damaged beyond repair, the insurance reimburses the Insured Declared Value as a reimbursement.

5. Accidental Damage: This covers damage and loss from accidents by external means.

6. Personal Accident Cover: It provides personal accident cover of ₹15 lakhs to the owner-driver for medical expenses and fatalities from accidents.

7. Third Party Liability: This covers third-party property damage, injuries and death of third persons and legal expenses.

8. Transit Damage: The plan also covers transit-related damage via road, rail, waterway, lift or elevator.

Exclusions Under KTM Bike Insurance

1. Negligence: Driving in poor conditions, such as flood-prone areas or intentional negligence isn’t covered.

2. Commercial Usage: Damage due to using your personal two-wheeler for commercial purposes isn’t covered.

3. Outside Geographical Boundaries: This includes damage incurred while driving your bike outside India.

4. Violating Traffic Laws: Damages are not covered when riding without a helmet, not carrying a driving licence or driving under the influence of alcohol and drugs.

5. Extraordinary Circumstances: This includes situations like war, rebellion, war-like operations and nuclear attacks.

Disclaimer: The above inclusions and exclusions are not exhaustive and subject to terms and conditions. Please refer to the Policy Wording document for clarification.

Also Read: KTM Bike Insurance

1. Roadside Assistance: Roadside Assistance is an add-on that provides emergency assistance to your location if your bike is disabled. Our add-on covers on-the-spot repairs, refuelling, towing services, accident support and more.

2. Depreciation Allowance: Depreciation Allowance or Zero Depreciation add-on helps you cover the entire claim cost. It pays for the depreciation of damaged parts for replacement for the first claim in the policy period.

3. Emergency Medical Expenses: This add-on covers medical expenses for the driver and passenger rider in case of an accident involving the insured bike. It covers medical treatment at a hospital/nursing home and ambulance charges.

4. Return to Invoice Cover: The Return to Invoice add-on helps you cover the full invoice value of your bike for replacement due to theft or total loss. It also covers first-time registration charges and road tax.

5. Engine Secure: This add-on covers repairs and replacement of internal engine parts, gearbox and transmission when the cause of damage is oil leakage or water ingress. It also pays for consumables like engine oil and lubricants used during repairs.

6. Additional Third-Party Property Damage: This add-on increases the limit of third-party property damage liability above standard plans. It enhances the third-party cover of comprehensive and third-party plans.

7. Consumable Expenses: The Consumable Cover reimburses the cost of consumables following an accident. It covers the cost of lubricants, brake oil, engine oil, oil filters, washers, bearings, clips, nuts & bolts, screws, and others.

8. Electric Surge Secure: The Engine Surge Secure is a specialised add-on for electric bikes that covers EVs and charging equipment for damage due to electrical issues like short circuits, arcing and overheating.

9. Additional Personal Accident Cover for Owner-Driver: The Additional Personal Accident Cover pays a predetermined amount for serious injuries or fatalities of the owner-driver. This amount is over and above the standard limit.

10. Depreciation Allowance- Battery: This is another add-on designed mainly for EV motorcycles. It covers the depreciation deduction on EV batteries when they are to be replaced after damage or accidents.

11. Tyre and Rim Secure: This add-on covers the cost of repairing or replacing bike tyres, tubes and wheel rims for damage due to accidents, potholes, or blowouts. It also covers labour and consumable charges.

12. Additional Personal Accident Cover to Unnamed Persons: This add-on covers injuries and fatalities of anyone driving or riding on your insured bike.

• **Deductible:**This is the amount you need to pay on your own before the bike insurance plan covers the rest. Opting for a higher deductible results in lower costs.
• No Claim Bonus: The No Claim Bonus is an annual bonus on either the premium or the sum insured amount. Check the NCB benefits offered and the maximum bonus before buying a bike insurance plan.
• Insurer’s Reputation: The insurance company’s reputation for fulfilling claims and providing good service quality are crucial factors. Assess the insurer’s reputation and reliability by going through online reviews, ratings and Claim Settlement Ratio (CSR).
• Inclusions and Exclusions: These determine what’s covered and what’s not covered by the bike insurance plan. Go through the fine print of terms and conditions to understand the inclusions and exclusions and their limits.
• Network Garages: Before selecting a plan, examine the size and extent of the insurer’s cashless garage network. Find out if they have garages near your residence and common places.

Step 1: Scroll to the top of this page. In the purchase menu, enter your bike registration number and click on ‘Get Price’.

Step 2: Enter the personal information and bike-related details as required in the next step.

Step 3: Select the policy coverage amount and include add-ons as per your insurance needs.

Step 4: Review the premium quotes and if they are acceptable, pay the premium amount to buy KTM 390 Adventure R insurance online.

Step 1: Find the ‘Renewal’ menu at the top of this page and click on ‘Bike’ for a quick renewal.

Step 2: Enter your bike’s registration number or policy number and click on ‘Renew’.

Step 3: Review the updated details of the KTM 390 Adventure R insurance renewal. Then, enhance/modify the coverage and include add-ons if you want to.

Step 4: Check the final premium and complete your payment online to renew your bike insurance policy.

The KTM 390 Adventure R insurance costs depend mainly on your chosen policy type. For third-party bike insurance, premium costs are standard across all insurance companies as decided by the IRDAI (Insurance Regulatory and Development Authority of India). For own damage policies and comprehensive policies, the insurer decides on the rates.

Third Party Bike Insurance Premium

The premium rates are fixed and depend on the bike’s engine capacity and type of fuel (electric/non-electric). For the KTM 390 Adventure R bike, the annual premium ranges from ₹538 to ₹2,804, while the five-year premium ranges from ₹2,901 to ₹15,557 as per the Motor Vehicles Rules 2022.

Comprehensive Bike Insurance Premium

The premium rates of comprehensive plans are decided by the insurer based on the total premium for third-party, own damage and personal accident cover. The cost of add-ons is added while the No Claim Bonus is deducted to arrive at the final premium amount.

The KTM 390 Adventure R insurance costs also vary with different factors, such as the bike’s IDV, age, make and model, depreciation, registration location, deductibles chosen and your riding history. You can easily get accurate estimates for your chosen plan using an online bike insurance calculator.

Step 1: Initiate the claims process by informing TATA AIG via our helpline (022-6489-8282) or claims support page. For bike theft, ensure to file an FIR copy with the police as soon as possible.

Step 2: Provide the necessary details in the claims form. Once you receive the vehicle inspection link on your phone, open it and enter the required details.

Step 3: Receive the TATA AIG-appointed surveyor dispatched to your residence to inspect your vehicle. Collect the damage report and estimate.

Step 4: For cashless claims, take your bike to a network garage for repairs. For reimbursement claims, go to any garage, pay for the repairs and collect all bills and receipts.

Step 5: Submit all required documents, including the claim form, FIR copy, policy documents, repair invoices, etc.

Once verified, we will settle the repair bills directly with the garage for cashless claims. Alternatively, we will send the reimbursement directly to your account after verification.

• Duly filled and signed claim form
• Identify proof (PAN card, Aadhaar card, driving licence)
• Bike registration certificate (RC)
• Tax payment receipt for the bike
• Policy documents
• Repair estimate and invoices
• FIR copy for theft and third-party claims
• No Trace Report and letter to RTO for bike theft
• Hospital bills for personal accident claims
• Legal notices or summons for third-party claims
• RTO transfer papers for transferred vehicles

The KTM 390 Adventure R features only one variant available in India with the following prices:

Disclaimer: Prices may vary by location and dealership and may change over time. On-Road Price includes PDC, helmet and leg guard besides RTO and insurance, which may vary.

For an expensive off-road bike like the KTM 390 Adventure R, it's important to make sure that the essential components are secure and in good condition. Here are some of the essential parts to insure for this bike:

• Engine: The engine is the beating heart that powers the motorcycle. The KTM bike is powered by a 399cc engine that needs to be properly maintained and regularly serviced to ensure good performance over the long term.
• Suspension: The suspension comprises springs, dampers and shock absorbers connected to the wheels. As an off-road bike, the 390 Adventure R features complex and adjustable APEX suspension to handle rough driving conditions.
• Wheels and Tyres: Carries the weight of the vehicle and its occupants and ensures road grip. The 390 Adventure R sports strong 21’’/18’’ spoked wheels and specialised off-road adventure tyres that need to be in good condition.
• Brakes: High-quality brakes are essential for safe driving and avoiding accidents. The KTM adventure bike is equipped with the BYBRE braking system with 320 mm/240 mm front and rear disc brakes.
• Electronics: Electrical, control and safety systems are crucial elements of every modern bike. The KTM 390 Adventure R contains several high-end systems such as off-road ABS, a ride-by-wire system, a quickshifter, and a 5-inch TFT dashboard.

The recently introduced KTM 390 Adventure R is one of the most prominent off-road specialist bikes available in India. The bike is equipped with plenty of features, such as adjustable suspensions, a high front-rear drive ratio, off-road wheels, and advanced electronics, that make it the perfect option for experienced adventurers. Its relatively smaller size and approachable seat height make it a good bike for beginners as well.

If you are serious about off-roading, getting the right KTM 390 Adventure R insurance policy is as important as buying the motorbike. With TATA AIG’s flexible and complete bike insurance policies, you can ride the bike stress-free, knowing your finances are fully protected.